Head to Head Survey: HBT Financial (NASDAQ:HBT) and Glen Burnie Bancorp (NASDAQ:GLBZ)

HBT Financial (NASDAQ:HBT) and Glen Burnie Bancorp (NASDAQ:GLBZ) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their analyst recommendations, earnings, risk, valuation, profitability, institutional ownership and dividends.

Profitability

This table compares HBT Financial and Glen Burnie Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
HBT Financial	24.99%	14.57%	1.50%
Glen Burnie Bancorp	-0.68%	-0.59%	-0.03%

Earnings & Valuation

This table compares HBT Financial and Glen Burnie Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
HBT Financial	$228.13 million	3.24	$71.78 million	$2.38	9.83
Glen Burnie Bancorp	$11.77 million	1.32	-$110,000.00	($0.04)	-134.00

HBT Financial has higher revenue and earnings than Glen Burnie Bancorp. Glen Burnie Bancorp is trading at a lower price-to-earnings ratio than HBT Financial, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

HBT Financial has a beta of 0.62, suggesting that its share price is 38% less volatile than the S&P 500. Comparatively, Glen Burnie Bancorp has a beta of 0.41, suggesting that its share price is 59% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent recommendations and price targets for HBT Financial and Glen Burnie Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
HBT Financial	1	3	2	0	2.17
Glen Burnie Bancorp	0	0	0	0	0.00

HBT Financial currently has a consensus price target of $24.75, indicating a potential upside of 5.77%. Given HBT Financial’s stronger consensus rating and higher possible upside, equities research analysts plainly believe HBT Financial is more favorable than Glen Burnie Bancorp.

Dividends

HBT Financial pays an annual dividend of $0.84 per share and has a dividend yield of 3.6%. Glen Burnie Bancorp pays an annual dividend of $0.10 per share and has a dividend yield of 1.9%. HBT Financial pays out 35.3% of its earnings in the form of a dividend. Glen Burnie Bancorp pays out -250.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Insider and Institutional Ownership

78.6% of HBT Financial shares are owned by institutional investors. Comparatively, 9.8% of Glen Burnie Bancorp shares are owned by institutional investors. 59.8% of HBT Financial shares are owned by company insiders. Comparatively, 14.1% of Glen Burnie Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Summary

HBT Financial beats Glen Burnie Bancorp on 15 of the 16 factors compared between the two stocks.

About HBT Financial

HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities in Central and Northeastern Illinois, and Eastern Iowa. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, and farmland sales and services; commercial checking accounts; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.

About Glen Burnie Bancorp

Glen Burnie Bancorp operates as the bank holding company for The Bank of Glen Burnie that provides commercial and retail banking services to individuals, associations, partnerships, and corporations. The company offers savings accounts, money market deposit accounts, demand deposit accounts, NOW checking accounts, IRA and SEP accounts, and certificates of deposit. It also provides residential and commercial real estate, construction, land acquisition and development, and secured and unsecured commercial loans, as well as consumer instalment lending, such as indirect automobile lending services; and residential first and second mortgage loans, home equity lines of credit, and commercial mortgage loans. In addition, the company offers safe deposit boxes, money orders, night depositories, automated clearinghouse transactions, wire transfers, and automated teller machine (ATM) services, as well as electronic banking services, such as telephone and online banking, bill pay, card management and control, mobile app, merchant source capture, mobile deposit capture, Zelle, etc. Further, it provides treasury services, including wire transfer and ACH services, and debit cards. Additionally, the company engages in the acquisition and disposition of other real estate properties. It serves customers in northern Anne Arundel county and surrounding areas from its main office and branch in Glen Burnie, Maryland; and branch offices in Odenton, Riviera Beach, Crownsville, Severn, Linthicum, and Severna Park, Maryland. The company also operates a remote ATM located in Pasadena, Maryland. The company was founded in 1949 and is based in Glen Burnie, Maryland.